Personal Monthly Budget Savy

Personal Monthly Budget - Dr. Sanjeev Kumar - FEB 2009 Income 1

Rs40,000

PROJECTED MONTHLY INCOME Extra income

Rs

Total monthly income

Rs40,000

Income 1

Rs40,000

ACTUAL MONTHLY INCOME Extra income

Rs

Total monthly income HOUSING Mortgage or rent Phone Electricity Gas

Rs40,000

Projected Cost Actual Cost Difference Rs0 Rs70 Rs70 Rs1,500

Rs1,282

Rs218

Rs70

Rs0

Rs70

Rs350

Rs0

Rs350

PROJECTED BALANCE (Projected income minus expenses) Rs13,650 ACTUAL BALANCE (Actual income minus expenses) Rs30,138 DIFFERENCE (Actual minus projected)

ENTERTAINMENT Video/DVD

Rs43,788

Projected Cost Actual Cost Difference Rs0 Rs0 Rs0 Rs500

Rs0

Rs500

Movies

Rs0

Rs0

Rs0

Concerts

Rs0

Rs0

Rs0

Sporting events

Rs0

Rs0

Rs0

CDs

Rs20

Rs20

Cable

Rs0

Rs0

Live theater

Rs0

Rs0

Rs0

Waste removal

Rs0

Rs0

Other

Rs0

Rs0

Rs0

Maintenance or repairs

Rs0

Rs0

Other

Rs0

Rs0

Rs0

Supplies

Rs0

Rs0

Other

Rs0

Rs0

Rs0

Rs0

Total

Rs0

Rs500

Water and sewer

Other Total

Rs2,010

Rs1,352

Rs658 LOANS

TRANSPORTATION

Projected Cost Actual Cost Difference Rs0 Rs8,000 Rs8,000

Personal

Projected Cost Actual Cost Difference Rs1,000 Rs1,000

Student

Rs0

Bus/taxi fare

Rs0

Rs0

Credit card

Rs0

Insurance

Rs0

Rs0

Credit card

Rs0

Licensing

Rs0

Rs0

Credit card

Rs0

Fuel

Rs0

Rs0

Other

Rs1,000

Rs1,000

Vehicle payment

Maintenance Other Total

Rs8,000

Rs4,000

TAXES Federal/ Income

INSURANCE Home

FOOD Groceries Dining out/ Mess Bill

Rs0

Rs0

Rs0

Rs0

Rs0

Other

Rs0

Rs10,000

Rs10,000

Total

Food Medical

Rs10,000

Rs0 Rs0

Rs10,000

Rs0 Rs10,000

Rs0

Rs10,000

Projected Cost Actual Cost Difference Rs500 Rs1,000 Rs500 Rs400

Rs400

SAVINGS OR INVESTMENTS Projected Cost Actual Cost Difference Rs2,500 Retirement account Rs2,500 Investment account/ MFs

Rs6,000

Other/ Shares/ Equity

Rs6,000

Total

Rs14,500

Rs6,000 Rs6,000 Rs0

Rs14,500

Rs0 Rs1,400

Rs500

Rs900

GIFTS AND DONATIONS Charity 1

PETS

Projected Cost Actual Cost Difference Rs10,000 Rs10,000

Local

Other Total

Rs1,000

State

Other Total

Rs0

Projected Cost Actual Cost Difference Rs0

Health Life

Rs1,000

Rs3,000

Rs3,000 Rs12,000

Rs0

Total

Projected Cost Actual Cost Difference Rs400 Rs400 Rs100

Rs100

Projected Cost Actual Cost Difference Rs0 Rs0

Charity 2

Rs0

Charity 3

Rs0

Total

Rs0

Rs0 Rs0 Rs0

Rs0

Grooming

Rs0

Toys

Rs0

LEGAL

Other

Rs0

Attorney

Rs500

Alimony

Rs0

Payments on lien or judgment

Rs0

Rs0

Other

Rs200

Rs200

Total

Rs200

Total PERSONAL CARE Medical Hair/nails

Rs500

Rs0

Projected Cost Actual Cost Difference Rs500 Rs500 Rs20

Rs10

Projected Cost Actual Cost Difference Rs0 Rs0 Rs0

Rs0

Rs200

Rs10

Clothing

Rs500

Rs500

Dry cleaning

Rs100

Rs100 Rs0

Dues 2

Rs0

Rs0

Rs0

Rs100

Rs100

Dues 3

Rs0

Rs0

Rs0

Other

Rs0

Rs0

Rs0

Total

Rs0

Rs0

Rs0

Health club Organization dues or fees

Rs0

Other Total FAMILY/ KIDS CARE Medical Hair/nails Clothing Dry cleaning Health club Organization dues or fees Other Total

Rs1,220

Rs10

Rs1,210

Projected Cost Actual Cost Difference Rs100 Rs100 Rs20 Rs20 Rs500 Rs500 Rs100 Rs100 Rs0 Rs100 Rs100 Rs0 Rs820 Rs0 Rs820

OUTSTANDING DUES, IF ANYProjected Cost Actual Cost Difference Rs0 Dues 1 Rs0 Rs0

TOTAL PROJECTED COST TOTAL ACTUAL COST TOTAL DIFFERENCE

Rs53,650 Rs9,862 Rs44,288